Introduction to Home/Renters Insurance

What your policy covers


Your homeowners policy will combine these coverages:


Your renters policy insures household contents and personal belongings the same as a homeowners policy, but excludes dwelling coverage.

The Shopper's Guide

To use the on-line shopper's guide, follow the steps below:

Step 1) Select your home county. We have published premium charges for every county in Kansas for your comparison shopping. Select your county from the drop-down menu and click "Continue."

Step 2) Select a coverage amount. Amounts assume replacement cost coverage values with wood frame construction and annual premium charge. Amounts quoted may vary slightly from the insurance companies' quoted amounts. Select a coverage amount nearest to the value of your home from the drop-down list and click "Continue." If renting, choose $25,000.

Step 3) Determine your fire protection class. The fire protection classes listed for each company are based on the firefighting capability of a town or city ranging from 1 (most protection) to 10 (least protection). Premium charges will be higher in rural areas for protection class 9 or 10. For your current fire protection class, refer to your existing insurance policy or contact an insurance agent.

Information You’ll Need to get a quote

To get an accurate quote, you will usually need this information:

Questions To Ask

What if you can’t find coverage?

If you cannot find a company that will insure your property, the Kansas FAIR Plan may accept your property.

The FAIR Plan (Fair Access to Insurance Requirements) was created by the state of Kansas to insure property that insurance companies refuse to cover.

Things to know about the FAIR Plan

Approval in the Plan is not guaranteed. You do not have a guaranteed right to buy FAIR Plan coverage.